EP0451057B1 - System for paying services by telephone - Google Patents

System for paying services by telephone Download PDF

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Publication number
EP0451057B1
EP0451057B1 EP91400916A EP91400916A EP0451057B1 EP 0451057 B1 EP0451057 B1 EP 0451057B1 EP 91400916 A EP91400916 A EP 91400916A EP 91400916 A EP91400916 A EP 91400916A EP 0451057 B1 EP0451057 B1 EP 0451057B1
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EP
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Prior art keywords
service
sequence
computer
ogc
management computer
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German (de)
French (fr)
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EP0451057A1 (en
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Alain Bernard
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00

Definitions

  • the present invention relates to a system for paying for services by telephone.
  • the object of the invention is precisely to remedy these drawbacks by offering a rapid, anonymous and secure means of payment.
  • the invention proposes a system for paying for services by telephone which first of all comprises portable electronic devices each having an identity, a nominal value and an expiration date, each device being capable of transmitting, on command. of the user, an encrypted sequence of acoustic tones, this sequence being characteristic of the identity of the device, of the date of use and of a service.
  • the system of the invention also comprises voice servers specialized in a particular service and connected to a telephone line, these servers being able to be called by telephone by a user and being capable of receiving the encrypted sequence of acoustic tones emitted by the electronic device of caller and translate this sequence into computer data.
  • These voice servers can be specialized, for example in betting on horse races such as, in France, Pari Mutuel Urbain (PMU) or in weather forecasts, etc.
  • PMU Pari Mutuel Urbain
  • the system also includes computers affiliated with a particular service and connected to the voice servers specializing in this service, by a data transmission line, these computers being able to define a transaction corresponding to the service in question.
  • the system of the invention comprises an account management computer, these accounts corresponding, on the one hand, to the various service providers and, on the other hand, to the various portable electronic devices; this account management computer is connected to the computers affiliated with the various departments by data transmission lines from which it receives, for each transaction to be carried out, the sequence of encrypted data specific to the portable electronic device used as well as the characteristics of the transaction to be carried out; this account management computer is able to decrypt the sequence of data it receives, to identify the corresponding account and to debit or credit it according to the transaction to be carried out.
  • the data transmission lines are for example networks such as TRANSPAC.
  • the system further comprises at least one interactive voice server directly connected to the account management computer, this server only making it possible to give the user calling the position of the account corresponding to the device. portable used.
  • the system represented in FIG. 1 comprises interactive voice servers specialized in a service, namely SVS1, SVS2 for a first service and (SVS1) ′, (SVS2) ′, (SVS3) ′ for a second service.
  • Each server is connected to an LT telephone line.
  • a computer (OA), (OA) ′ is connected to the servers by a data transmission line LTD.
  • An OGC computer manages the accounts of service users and service providers. It is connected to the two affiliated computers OA and OA ′.
  • Figures 2a, 2b, 2c illustrate the operation of the system in the case where it is to take bets on horse racing (PMU) and in the case where the portable electronic device is a token of the type which is described in the parallel patent application cited above.
  • PMU horse racing
  • Each token J (FIG. 2b) is in the form of a washer in plastic or resin marked with a value of 500, 1000 or 2000F for example and an expiry date, for example 6 months after the date of commissioning.
  • This washer is equipped with an acoustic coupler CA which allows it, when a push button is pressed (not visible in Figure 2b), to emit a sequence of SQ numbers characteristic of the token and guaranteeing, with a probability of l 'order of 1 in 10 billion, that it belongs to the system. This issue is possible throughout the lifetime of the token until its expiration date.
  • This server allows him to define his game using the PC keyboard station with voice frequencies.
  • the player approaches his token from the microphone of the telephone handset and presses the push button.
  • the token issues an SQ sequence.
  • the SVS server transforms this acoustic signal into a series of computer data which it transmits by the TRANSPAC TD network with the bet, to the OA computer affiliated with the PMU. This checks the consistency of the bet, calculates the amount played and transmits the SQ sequence, the bet amount and a transaction number to the OGC account management computer.
  • the OGC account management computer decrypts the SQ sequence. It checks that the token belongs to the system and calculates its identification number N. If it does not know this number, because the token is used for the first time, it opens a new account and assigns a credit to it. starting at 1000 F. If he knows the number N, the credit already exists. This credit is debited from the bet amount and the PMU account is credited with the bet amount. A message is sent back to the PMU computer OA telling it that the operation went well, or that the token is false, or that the account is not sufficiently funded for the bet. The information is sent back to the SVS server for information from the bettor.
  • the OGC computer then blocks the token account, for a certain time, a few minutes for example.
  • the purpose of this blocking is to wait until the token, which includes a clock changing the sequence SQ, has programmed another sequence. It is therefore not possible to make several transactions with the same SQ sequence.
  • the PMU computer OA notifies the OGC account management computer that the bet bearing such a number wins such a sum.
  • the OGC computer which is able to make the link between the operation number and the account number N credits the account N and debits the PMU account.
  • the player When the player considers that his account, the amount of which is provided to him each time he identifies himself, reaches a sufficient level, he can resell his token to any person who then becomes holder of the amount of account N.
  • the two participants in the transaction is inquired by calling a special number corresponding to a particular interactive server (SVS) p (figure 2c) giving only the position of the accounts, a server which directly calls the OGC account keeping computer, which provides the latest value Account.
  • SVS interactive server
  • the OGC computer destroys accounts opened for more than 6 months.
  • the system of the invention can be used to pay for other services, provided they have an account with the OGC computer.
  • OGC computer For example, one can imagine that an organization like SVP in France, which sells information through operators, adheres to the system.
  • the SVS voice server would only be connected during part of the telephone call to receive the signal from the token and transmit it to the OGC computer.
  • a dialogue can be established during which the operator indicates to her client that, to find out more, it will cost her 100F; if the latter agrees, the voice server is passed to him for payment.
  • the voice server collects the client's SQ sequence, transmits it to the affiliated computer SVP, which adds the 100F to it.
  • This computer sends everything with the SVP account number to the OGC computer so that the SVP account is credited with 100F and that of the token debited with 100F.

Abstract

System for payment of services by telephone. <??>The device comprises:   - portable electronic devices (J) emitting an encrypted sequence (SQ),   - specialised vocal servers (SVS),   - at least one associated computer (OA),   - a management computer (OGC). <??>Application, for example, to the taking of bets by telephone. <IMAGE>

Description

La présente invention a pour objet un système de paiement de services par téléphone.The present invention relates to a system for paying for services by telephone.

Il existe aujourd'hui deux techniques pour le paiement par téléphone :

  • dans la première, le prix de l'appel téléphonique est facturé, par l'opérateur du réseau, à un tarif qui lui permet de partager les recettes avec le prestataire de service. Cette technique est baptisée "kiosque" en France. Le service étant payé par le détenteur de l'abonnement téléphonique, lequel n'est pas toujours consulté lors de son utilisation, cette technique, si elle conduit à facturer des sommes trop élevées, peut donner lieu à des problèmes de refus de paiement de la part de l'abonné. Les services que l'on peut payer par le "kiosque" restent donc généralement de faible valeur,
  • dans la seconde, l'appelant peut se faire reconnaître d'un opérateur, en lui communiquant son nom et un numéro de code secret. Le prestataire de service, souhaitant être payé à l'avance, aura pu demander une provision à son futur client, et lui aura communiqué ce numéro de code secret, que le client devra communiquer à une machine ou à une opératrice avant de pouvoir bénéficier du service souhaité. C'est le cas par exemple pour les demandes de renseignements adressées à la Société française "SVP". Cependant, la gestion des numéros d'abonnement est lourde. Par ailleurs, ces numéros de code restent difficilement confidentiels. Enfin, les clients ne sont pas toujours prêts à faire la démarche préalable d'abonnement pour attendre ensuite de recevoir un code.
Today there are two techniques for paying by phone:
  • in the first, the price of the telephone call is billed by the network operator at a rate which allows him to share the revenue with the service provider. This technique is called "kiosk" in France. The service being paid for by the holder of the telephone subscription, who is not always consulted during its use, this technique, if it leads to invoicing too high sums, can give rise to problems of refusal of payment of the from the subscriber. The services that can be paid for by the "kiosk" therefore generally remain of low value,
  • in the second, the caller can be recognized by an operator, by communicating his name and a secret code number. The service provider, wishing to be paid in advance, will have been able to request a provision from his future customer, and will have communicated this secret code number, which the customer will have to communicate to a machine or an operator before being able to benefit from the desired service. This is the case for example for requests for information sent to the French company "SVP". However, managing subscription numbers is cumbersome. Furthermore, these code numbers are difficult to keep confidential. Finally, customers are not always ready to make the prior subscription process and then wait to receive a code.

L'invention a justement pour but de remédier à ces inconvénients en offrant un moyen de paiement rapide, anonyme et sûr.The object of the invention is precisely to remedy these drawbacks by offering a rapid, anonymous and secure means of payment.

A cette fin, l'invention propose un système de paiement de services par téléphone qui comprend tout d'abord des dispositifs électroniques portatifs ayant chacun une identité, une valeur nominale et une date de péremption, chaque dispositif étant capable d'émettre, sur commande de l'utilisateur, une séquence cryptée de tonalités acoustiques, cette séquence étant caractéristique de l'identité du dispositif, de la date d'utilisation et d'un service.To this end, the invention proposes a system for paying for services by telephone which first of all comprises portable electronic devices each having an identity, a nominal value and an expiration date, each device being capable of transmitting, on command. of the user, an encrypted sequence of acoustic tones, this sequence being characteristic of the identity of the device, of the date of use and of a service.

Un mode particulier de réalisation de tels dispositifs électroniques a été décrit dans la demande de brevet EP-A-0451056 déposée par Alain BERNARD, le jour du dépôt de la présente demande, et intitulée "Dispositif électronique téléphonique". Mais d'autres dispositifs peuvent être utilisés dès lors qu'ils remplissent les mêmes fonctions.A particular embodiment of such electronic devices has been described in patent application EP-A-0451056 filed by Alain BERNARD, on the day of filing of this application, and entitled "Telephone electronic device". However, other devices can be used as long as they fulfill the same functions.

Le système de l'invention comprend encore des serveurs vocaux spécialisés dans un service particulier et reliés à une ligne téléphonique, ces serveurs pouvant être appelés par téléphone par un utilisateur et étant capables de recevoir la séquence cryptée de tonalités acoustiques émise par le dispositif électronique de l'appelant et de traduire cette séquence en données informatiques.The system of the invention also comprises voice servers specialized in a particular service and connected to a telephone line, these servers being able to be called by telephone by a user and being capable of receiving the encrypted sequence of acoustic tones emitted by the electronic device of caller and translate this sequence into computer data.

Ces serveurs vocaux peuvent être spécialisés, par exemple dans les paris sur les courses de chevaux comme, en France, le Pari Mutuel Urbain (PMU) ou dans les prévisions météorologiques, etc.These voice servers can be specialized, for example in betting on horse races such as, in France, Pari Mutuel Urbain (PMU) or in weather forecasts, etc.

Le système comprend encore des ordinateurs affiliés à un service particulier et relié aux serveurs vocaux spécialisés dans ce service, par une ligne de transmission de données informatiques, ces ordinateurs étant aptes à définir une transaction correspondant au service en question.The system also includes computers affiliated with a particular service and connected to the voice servers specializing in this service, by a data transmission line, these computers being able to define a transaction corresponding to the service in question.

Dans le cas de l'exemple précédent, ces ordinateurs affiliés seraient attachés au PMU et aux prévisions météorologiques.In the case of the previous example, these affiliated computers would be attached to the PMU and the weather forecast.

Enfin, le système de l'invention comprend un ordinateur de gestion de comptes, ces comptes correspondant, d'une part, aux différents prestataires de service et, d'autre part, aux différents dispositifs électroniques portatifs ; cet ordinateur de gestion de comptes est relié aux ordinateurs affiliés aux différents services par des lignes de transmission de données d'où il reçoit, pour chaque transaction à effectuer, la séquence de données cryptées propre au dispositif électronique portatif utilisé ainsi que les caractéristiques de la transaction à effectuer ; cet ordinateur de gestion de comptes est apte à décrypter la séquence de données qu'il reçoit, à identifier le compte correspondant et à débiter ou créditer celui-ci selon la transaction à effectuer.Finally, the system of the invention comprises an account management computer, these accounts corresponding, on the one hand, to the various service providers and, on the other hand, to the various portable electronic devices; this account management computer is connected to the computers affiliated with the various departments by data transmission lines from which it receives, for each transaction to be carried out, the sequence of encrypted data specific to the portable electronic device used as well as the characteristics of the transaction to be carried out; this account management computer is able to decrypt the sequence of data it receives, to identify the corresponding account and to debit or credit it according to the transaction to be carried out.

Les lignes de transmission de données sont par exemple des réseaux tels que TRANSPAC.The data transmission lines are for example networks such as TRANSPAC.

De préférence, le système comprend en outre au moins un serveur vocal interactif directement relié à l'ordinateur de gestion des comptes, ce serveur permettant seulement de donner à l'utilisateur appelant la position du compte correspondant au dispositif portatif utilisé.Preferably, the system further comprises at least one interactive voice server directly connected to the account management computer, this server only making it possible to give the user calling the position of the account corresponding to the device. portable used.

De toute façon, les caractéristiques et avantages de l'invention apparaîtront mieux à la lumière de la description qui va suivre, d'un exemple de réalisation donné à titre explicatif et nullement limitatif. Cette description se réfère à des dessins annexés sur lesquels :

  • la figure 1 représente la structure générale d'un système conforme à l'invention,
  • les figures 2a, 2b, 2c montrent plus particulièrement un système de prise de paris sur les courses.
In any case, the characteristics and advantages of the invention will appear better in the light of the description which follows, of an exemplary embodiment given by way of explanation and in no way limiting. This description refers to attached drawings in which:
  • FIG. 1 represents the general structure of a system according to the invention,
  • Figures 2a, 2b, 2c more particularly show a system for taking bets on races.

Le système représenté sur la figure 1 comprend des serveurs vocaux interactifs spécialisés dans un service, soit SVS1, SVS2 pour un premier service et (SVS1)′, (SVS2)′, (SVS3)′ pour un second service. Chaque serveur est relié à une ligne téléphonique LT. Affilié à chaque service, un ordinateur (OA), (OA)′ est relié aux serveurs par une ligne de transmission de données LTD. Un ordinateur OGC gère les comptes des utilisateurs du service et des prestataires de service. Il est relié aux deux ordinateurs affiliés OA et OA′.The system represented in FIG. 1 comprises interactive voice servers specialized in a service, namely SVS1, SVS2 for a first service and (SVS1) ′, (SVS2) ′, (SVS3) ′ for a second service. Each server is connected to an LT telephone line. Affiliated to each service, a computer (OA), (OA) ′ is connected to the servers by a data transmission line LTD. An OGC computer manages the accounts of service users and service providers. It is connected to the two affiliated computers OA and OA ′.

Les figures 2a, 2b, 2c illustrent le fonctionnement du système dans le cas où il s'agit de prendre des paris sur des courses de chevaux (PMU) et dans le cas où le dispositif électronique portatif est un jeton du type de celui qui est décrit dans la demande de brevet parallèle citée plus haut.Figures 2a, 2b, 2c illustrate the operation of the system in the case where it is to take bets on horse racing (PMU) and in the case where the portable electronic device is a token of the type which is described in the parallel patent application cited above.

Les jetons sont vendus et rachetés dans un point de vente PV (figure 2a). Chaque jeton J (figure 2b) se présente sous la forme d'une rondelle en plastique ou en résine marquée d'une valeur de 500, 1000 ou 2000F par exemple et d'une date de péremption, par exemple 6 mois après la date de mise en service. Cette rondelle est équipée d'un coupleur acoustique CA qui lui permet, lorsqu'on appuie sur un bouton poussoir (non visible sur la figure 2b), d'émettre une séquence de chiffres SQ caractéristique du jeton et garantissant, avec une probabilité de l'ordre de 1 sur 10 milliards, qu'il appartient bien au système. Cette émission est possible pendant toute la durée de vie du jeton jusqu'à sa date de péremption.The tokens are sold and redeemed at a PV point of sale (Figure 2a). Each token J (FIG. 2b) is in the form of a washer in plastic or resin marked with a value of 500, 1000 or 2000F for example and an expiry date, for example 6 months after the date of commissioning. This washer is equipped with an acoustic coupler CA which allows it, when a push button is pressed (not visible in Figure 2b), to emit a sequence of SQ numbers characteristic of the token and guaranteeing, with a probability of l 'order of 1 in 10 billion, that it belongs to the system. This issue is possible throughout the lifetime of the token until its expiration date.

En fonctionnement (figure 2c), un tel jeton est disposé en regard du microphone d'un combiné téléphonique CT.In operation (FIG. 2c), such a token is placed opposite the microphone of a telephone handset CT.

Un joueur ayant acheté un tel jeton pour 1000 francs par exemple dans un point de vente, il appelle un serveur SVS de prise de paris. Ce serveur lui permet de définir son jeu à l'aide du poste à clavier PC à fréquences vocales. Pour valider ce pari, le joueur approche son jeton du micro du combiné téléphonique et appuie sur le bouton poussoir. Le jeton émet une séquence SQ.A player having bought such a token for 1000 francs for example in a point of sale, he calls an SVS server for taking bets. This server allows him to define his game using the PC keyboard station with voice frequencies. To validate this bet, the player approaches his token from the microphone of the telephone handset and presses the push button. The token issues an SQ sequence.

Le serveur SVS transforme ce signal acoustique en une suite de données informatiques qu'il transmet par le réseau TRANSPAC TD avec le pari, au calculateur OA affilié au PMU. Celui-ci vérifie la cohérence du pari, calcule le montant joué et transmet à l'ordinateur de gestion de comptes OGC la séquence SQ, le montant du pari et un numéro de l'opération.The SVS server transforms this acoustic signal into a series of computer data which it transmits by the TRANSPAC TD network with the bet, to the OA computer affiliated with the PMU. This checks the consistency of the bet, calculates the amount played and transmits the SQ sequence, the bet amount and a transaction number to the OGC account management computer.

L'ordinateur de gestion de comptes OGC décrypte la séquence SQ. Il vérifie que le jeton appartient bien au système et calcule son numéro d'identification N. S'il ne connaît pas ce numéro, parce que le jeton est utilisé pour la première fois, il ouvre un nouveau compte et y affecte un crédit de départ égal à 1000 F. S'il connaît le numéro N, le crédit existe déjà. Ce crédit est débité du montant du pari et le compte du PMU est crédité du montant du pari. Un message est envoyé en retour à l'ordinateur OA du PMU lui indiquant que l'opération s'est bien passée, ou que le jeton est faux, ou que le compte n'est pas assez approvisionné pour le pari. Les informations sont renvoyées au serveur SVS pour information du parieur.The OGC account management computer decrypts the SQ sequence. It checks that the token belongs to the system and calculates its identification number N. If it does not know this number, because the token is used for the first time, it opens a new account and assigns a credit to it. starting at 1000 F. If he knows the number N, the credit already exists. This credit is debited from the bet amount and the PMU account is credited with the bet amount. A message is sent back to the PMU computer OA telling it that the operation went well, or that the token is false, or that the account is not sufficiently funded for the bet. The information is sent back to the SVS server for information from the bettor.

L'ordinateur OGC bloque ensuite le compte du jeton, pendant un certain temps, quelques minutes par exemple. Ce bloquage a pour but d'attendre que le jeton, qui comprend une horloge changeant la séquence SQ, ait programmé une autre séquence. Il n'est donc pas possible de faire plusieurs transactions avec la même séquence SQ.The OGC computer then blocks the token account, for a certain time, a few minutes for example. The purpose of this blocking is to wait until the token, which includes a clock changing the sequence SQ, has programmed another sequence. It is therefore not possible to make several transactions with the same SQ sequence.

Si le pari était gagnant, l'ordinateur OA du PMU avertit l'ordinateur de gestion des comptes OGC que le pari portant tel numéro gagne telle somme. L'ordinateur OGC qui est capable de faire le lien entre le numéro d'opération et le numéro du compte N crédite le compte N et débite le compte PMU.If the bet was successful, the PMU computer OA notifies the OGC account management computer that the bet bearing such a number wins such a sum. The OGC computer which is able to make the link between the operation number and the account number N credits the account N and debits the PMU account.

Lorsque le joueur considère que son compte, dont on lui fournit le montant chaque fois qu'il s'identifie, atteint un niveau suffisant, il peut revendre son jeton à toute personne qui devient alors détentrice du montant du compte N. Les deux participants à la transaction se renseignent en appelant un numéro spécial correspondant à un serveur interactif (SVS)p (figure 2c) particulier donnant seulement la position des comptes, serveur qui appelle directement l'ordinateur de tenue des comptes OGC, celui-ci fournissant la dernière valeur du compte.When the player considers that his account, the amount of which is provided to him each time he identifies himself, reaches a sufficient level, he can resell his token to any person who then becomes holder of the amount of account N. The two participants in the transaction is inquired by calling a special number corresponding to a particular interactive server (SVS) p (figure 2c) giving only the position of the accounts, a server which directly calls the OGC account keeping computer, which provides the latest value Account.

Avant que le jeton n'atteigne sa date de péremption et ne s'éteigne, son propriétaire doit se rendre dans un établissement spécialisé qui lui rachète le jeton et le détruit. De toute façon, l'ordinateur OGC détruit les comptes ouverts depuis plus de 6 mois.Before the token reaches its expiration date and expires, its owner must go to a specialized establishment which buys back the token and destroys it. In any case, the OGC computer destroys accounts opened for more than 6 months.

On observera que, dans ces opérations, l'anonymat est toujours respecté.It will be observed that, in these operations, anonymity is always respected.

Naturellement, cet exemple d'application du système de l'invention n'est donné qu'à titre explicatif. Le système peut être utilisé pour payer d'autres services, pourvu que ceux-ci aient un compte ouvert auprès de l'ordinateur OGC. Par exemple, on peut imaginer qu'un organisme comme SVP en France, qui vend des renseignements par l'intermédiaire d'opératrices, adhère au système. Dans ce cas, le serveur vocal SVS ne serait connecté que pendant une partie de la communication téléphonique pour recevoir le signal du jeton et le transmettre à l'ordinateur OGC. Un dialogue peut s'instaurer au cours duquel l'opératrice indique à son client que, pour en savoir plus, cela lui coûtera 100F ; si celui-ci est d'accord, on lui passe le serveur vocal pour payer. En cas d'aquiescement du client, avec un petit terminal, l'opératrice tape 100F, le serveur vocal recueille la séquence SQ du client, la transmet à l'ordinateur affilié SVP qui y ajoute les 100F. Cet ordinateur envoie le tout avec le numéro de compte de SVP à l'ordinateur OGC pour que le compte de SVP soit crédité de 100F et celui du jeton débité de 100F.Naturally, this example of application of the system of the invention is given only for explanatory purposes. The system can be used to pay for other services, provided they have an account with the OGC computer. For example, one can imagine that an organization like SVP in France, which sells information through operators, adheres to the system. In this case, the SVS voice server would only be connected during part of the telephone call to receive the signal from the token and transmit it to the OGC computer. A dialogue can be established during which the operator indicates to her client that, to find out more, it will cost her 100F; if the latter agrees, the voice server is passed to him for payment. If the client agrees, with a small terminal, the operator types 100F, the voice server collects the client's SQ sequence, transmits it to the affiliated computer SVP, which adds the 100F to it. This computer sends everything with the SVP account number to the OGC computer so that the SVP account is credited with 100F and that of the token debited with 100F.

Claims (4)

  1. Telephone service payment system, characterized in that it comprises:
    - portable electronic devices (J) each having a specific identity, a face value and a time limitation date, each device being able to transmit when ordered by the user a coded sequence of acoustic tones (SQ), this sequence being characteristic of the identity of the device, the date of use and a particular service,
    - specialized vocal host computers in a particular service (SVS1, SVS1′) and connected to a telephone line (LT), these host computers being able to be telephoned by the user and able to receive the coded sequence (SQ) of acoustic tones transmitted by the portable electronic device (J) of the calling user and to translate this sequence into data processing data,
    - at least one computer affiliated to a particular service (OA, OA′) and connected to the specialized vocal host computers (SVS1, SVS1′) in this service by means of a data processing data transmission line (LDT), this computer being able to define a transaction corresponding to the service in question,
    - an accounts management computer (OGC), these accounts corresponding firstly to the various service suppliers, and secondly to the various portable electronic devices (J) in service, this accounts management computer being connected to the computers affiliated to the various services (OA1, OA2) by data transmission lines (TD′, TD˝) from which it receives for each transaction to be effected the sequence of coded data belonging to the electronic device used, as well as the characteristics of the transaction to be effected, this accounts management computer (OGC) being able to decode the sequence of data it receives, identify the corresponding account and to debit or credit the latter according to the transaction to be effected.
  2. System according to claim 1, characterized in that the accounts management computer (OGC) creates during the first use of a portable electronic device (J) an account allocated to this device with the credit bearing the face value of the device and a closing date, namely the time limitation date of the device.
  3. System according to claim 1, characterized in that the accounts management computer (OGC) only accepts for each portable device a single transaction defined by the affiliated computers throughout the period in which the device transmits a given coded sequence (SQ).
  4. System according to claim 1, characterized in that it further includes at least one interactive vocal host computer directly connected to the accounts management computer (OGC), this host computer only providing the caller user with the position of the account corresponding to the portable device (J) used.
EP91400916A 1990-04-05 1991-04-04 System for paying services by telephone Expired - Lifetime EP0451057B1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR9004368 1990-04-05
FR9004368A FR2660771B1 (en) 1990-04-05 1990-04-05 TELEPHONE PAYMENT SYSTEM.

Publications (2)

Publication Number Publication Date
EP0451057A1 EP0451057A1 (en) 1991-10-09
EP0451057B1 true EP0451057B1 (en) 1994-11-09

Family

ID=9395472

Family Applications (1)

Application Number Title Priority Date Filing Date
EP91400916A Expired - Lifetime EP0451057B1 (en) 1990-04-05 1991-04-04 System for paying services by telephone

Country Status (8)

Country Link
US (1) US5136632A (en)
EP (1) EP0451057B1 (en)
JP (1) JP3182783B2 (en)
AT (1) ATE114066T1 (en)
DE (1) DE69105024T2 (en)
DK (1) DK0451057T3 (en)
ES (1) ES2065629T3 (en)
FR (1) FR2660771B1 (en)

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AU664612B2 (en) * 1992-05-25 1995-11-23 Alcatel Australia Limited A telephone subset
US6651883B2 (en) 1992-10-06 2003-11-25 Interdigital Technology Corporation Removable card for use in a radio unit
US6726098B2 (en) 1992-10-06 2004-04-27 Interdigital Technology Corporation Performing local transactions using a wireless radio unit
US6061664A (en) * 1995-10-10 2000-05-09 Koninklijke Ptt Nederland N.V. System for facilitating the ordering and paying of services by means of a communication network
FR2779896A1 (en) 1998-06-15 1999-12-17 Sfr Sa METHOD FOR REMOTE PAYING, BY MEANS OF A MOBILE RADIOTELEPHONE, THE ACQUISITION OF A GOOD AND / OR A SERVICE AND CORRESPONDING MOBILE RADIOTELEPHONE SYSTEM AND
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EP0973318A1 (en) 1998-06-15 2000-01-19 Societé Francaise du Radiotéléphone SRF Process for remote paying, by means of a mobile radio telephone, the acquisition of a good and/or a service, and corresponding system and mobile radio telephone
WO2001045054A2 (en) * 1999-12-19 2001-06-21 Enco-Tone Ltd. The acoustic encoding of dynamic identification codes
GB2374182A (en) * 1999-12-19 2002-10-09 Enco Tone Ltd The acoustic encoding of dynamic identification codes
GB2374182B (en) * 1999-12-19 2004-04-14 Enco Tone Ltd The acoustic encoding of dynamic identification codes

Also Published As

Publication number Publication date
EP0451057A1 (en) 1991-10-09
JPH0654088A (en) 1994-02-25
ATE114066T1 (en) 1994-11-15
DK0451057T3 (en) 1995-03-27
JP3182783B2 (en) 2001-07-03
FR2660771B1 (en) 1992-07-24
US5136632A (en) 1992-08-04
ES2065629T3 (en) 1995-02-16
DE69105024T2 (en) 1995-05-24
FR2660771A1 (en) 1991-10-11
DE69105024D1 (en) 1994-12-15

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